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Pepper Money Valuation Multiples
Discover revenue and EBITDA valuation multiples for Pepper Money and similar public comparables like Better Home & Finance, Propel Holdings, VersaBank, Funding Circle and more.
Pepper Money Overview
About Pepper Money
Pepper Money Ltd provides a variety of home loan solutions. The company also provides car loans, personal loans, loans for equipment, asset finance, commercial loans, and others. The company operates in three reportable segments Mortgage, Asset Finance, and Loan and Other Servicing. The maximum revenue is derived from the Asset finance segment. The Asset finance segment includes financing a range of asset types for consumer and commercial customers.
Founded
2000
HQ
Employees
815
Website
Financials (LTM)
EV
$13B
Pepper Money Financials
Pepper Money reported last 12-month revenue of $281M.
In the same LTM period, Pepper Money generated $75M in net income.
Revenue (LTM)
Pepper Money P&L
In the most recent fiscal year, Pepper Money reported revenue of $281M and net income of $74M.
Pepper Money expects next 12-month revenue of XXX and NTM EBITDA of XXX
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue | $281M | XXX | $281M | XXX | XXX | XXX |
| EBIT Margin | 43% | XXX | 42% | XXX | XXX | XXX |
| Net Profit | $75M | XXX | $74M | XXX | XXX | XXX |
| Net Margin | 27% | XXX | 26% | XXX | XXX | XXX |
| Net Debt | — | — | $11B | XXX | XXX | XXX |
Financial data powered by Morningstar, Inc.
Pepper Money Stock Performance
Pepper Money has current market cap of $571M, and enterprise value of $13B.
Market Cap Evolution
Pepper Money's stock price is $1.27.
| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $13B | $571M | 0.5% | XXX | XXX | XXX | $0.16 |
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Start Free TrialPepper Money Valuation Multiples
Pepper Money trades at 45.5x EV/Revenue multiple.
EV / Revenue (LTM)
Pepper Money Financial Valuation Multiples
As of April 14, 2026, Pepper Money has market cap of $571M and EV of $13B.
Equity research analysts estimate Pepper Money's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
Pepper Money has a P/E ratio of 7.6x.
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $571M | XXX | $571M | XXX | XXX | XXX |
| EV (current) | $13B | XXX | $13B | XXX | XXX | XXX |
| EV/Revenue | 45.5x | XXX | 45.5x | XXX | XXX | XXX |
| EV/EBIT | 106.8x | XXX | 107.0x | XXX | XXX | XXX |
| P/E | 7.6x | XXX | 7.7x | XXX | XXX | XXX |
| EV/FCF | — | XXX | (25.2x) | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Verified Pepper Money Valuation Multiples
Access all public comps and forward-looking valuation multiples like EV/Revenue in 2027, based on consensus analyst estimates. Powered by FactSet and Morningstar.
Pepper Money Margins & Growth Rates
Pepper Money's revenue in the last 12 month grew by 7%.
Pepper Money's revenue per employee in the last FY averaged $0.3M, while opex per employee averaged $0.2M for the same period.
Pepper Money Operational Valuation Multiples
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue Growth | 7% | XXX | 6% | XXX | XXX | XXX |
| Revenue per Employee | — | XXX | $0.3M | XXX | XXX | XXX |
| Opex per Employee | — | XXX | $0.2M | XXX | XXX | XXX |
| S&M Expenses to Revenue | — | XXX | 4% | XXX | XXX | XXX |
| G&A Expenses to Revenue | — | XXX | 40% | XXX | XXX | XXX |
| Opex to Revenue | 52% | XXX | 51% | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Pepper Money Public Comps
See public comps and valuation multiples for other Consumer Finance and Online Lending comps.
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| LTM | 2026E | 2027E | LTM | 2026E | 2027E | |
| Pepper Money | XXX | XXX | XXX | XXX | XXX | XXX |
| Better Home & Finance | XXX | XXX | XXX | XXX | XXX | XXX |
| Propel Holdings | XXX | XXX | XXX | XXX | XXX | XXX |
| VersaBank | XXX | XXX | XXX | XXX | XXX | XXX |
| Funding Circle | XXX | XXX | XXX | XXX | XXX | XXX |
| LendingTree | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc.
Pepper Money M&A Activity
Pepper Money acquired XXX companies to date.
Last acquisition by Pepper Money was on XXXXXXXX, XXXXX. Pepper Money acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Acquisitions by Pepper Money
| Acquired Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialPepper Money Investment Activity
Pepper Money invested in XXX companies to date.
Pepper Money made its latest investment on XXXXXXXX, XXXXX. Pepper Money invested in XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Investments by Pepper Money
| Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialAbout Pepper Money
| When was Pepper Money founded? | Pepper Money was founded in 2000. |
| Where is Pepper Money headquartered? | Pepper Money is headquartered in Australia. |
| How many employees does Pepper Money have? | As of today, Pepper Money has over 815 employees. |
| Who is the CEO of Pepper Money? | Pepper Money's CEO is Mario Rehayem. |
| Is Pepper Money publicly listed? | Yes, Pepper Money is a public company listed on Australian Securities Exchange. |
| What is the stock symbol of Pepper Money? | Pepper Money trades under PPM ticker. |
| When did Pepper Money go public? | Pepper Money went public in 2021. |
| Who are competitors of Pepper Money? | Pepper Money main competitors are Better Home & Finance, Propel Holdings, VersaBank, Funding Circle. |
| What is the current market cap of Pepper Money? | Pepper Money's current market cap is $571M. |
| What is the current revenue of Pepper Money? | Pepper Money's last 12 months revenue is $281M. |
| What is the current revenue growth of Pepper Money? | Pepper Money revenue growth (NTM/LTM) is 7%. |
| What is the current EV/Revenue multiple of Pepper Money? | Current revenue multiple of Pepper Money is 45.5x. |
| Is Pepper Money profitable? | Yes, Pepper Money is net-income-positive (as of the last 12 months). |
| What is the current net income of Pepper Money? | Pepper Money's last 12 months net income is $75M. |
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